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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,886 | $84,784-67.1% | $98,450-71.7% | $74,440-62.5% |
| Participation rate | 13.2% | 81.5%-68.3pp | 75.2%-62.0pp | 70.7%-57.5pp |
| Annual return | 21.79% | 20.59%+1.2pp | 21.16%+0.6pp | 34.37%-12.6pp |
| Employer contribution / active EE | $0 | $3,364-100.0% | $3,049-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $497 | $5,218-90.5% | $4,739-89.5% | $4,529-89.0% |
| Admin fee / account holder | $1,873 | $204+816.0% | $8,961-79.1% | $348+438.5% |